If you are a delivery driver, then regular car insurance won’t be enough to cover you during an emergency.

If you are a delivery driver who drives and delivers food, couriers goods and services in the UK you need delivery driver insurance, then your standard car insurance will not cover your vehicle. You’ll require different types of insurance plans to protect you financially in case of an emergency or accident. In this guide, we have covered everything you need to know about insuring yourself and choosing the right delivery driver insurance. Scroll down further to know more.

Why standard car insurance will not cover you?

There are certain reasons why your standard car insurance will not cover you while conducting deliveries. Your standard car insurance can’t cover you while delivering goods or food. It means if an accident happens you’ll pay for the damages done to you, the third party as well as your vehicle. This is because your standard car insurance covers you only when you’re driving your vehicle for personal and domestic needs. You can’t be covered because you are using your vehicle commercially.

How to get covered while delivering food or couriering in the UK?

So you must be thinking about how to get covered as a delivery driver? Well along with personal or standard car insurance you’ll require different types of insurance policy which are designed for delivery drivers insurance.

Your insurance requirement also depends on the following scenarios.

If you drive a vehicle provided by your company or employer

In this case, the vehicle will be covered by your company. It means if any accident happens the insurance policy held by your company will compensate for damages and losses.

If you drive your own vehicle

Here you need to obtain commercial car insurance to use your vehicle to deliver goods, courier or food. It’ll protect you and your vehicle.

Let’s learn about commercial car insurance in detail.

Commercial Car Insurance

Introduction

As we discussed above your standard car insurance policy will not be able to cover you in case of an emergency, so you need a different policy for financial and legal protection. Commercial vehicle insurance will cover your vehicle in case of an emergency and acts as a financial safeguard.

Why You Need Commercial Car Insurance?

You need this insurance covers because:

• It’s a legal requirement to have your vehicle insured before driving anywhere in the UK.
• Standard car policies don’t cover when you use your car for commercial purposes like conducting deliveries.

Cost of Commercial Car Insurance

The cost of commercial vehicle insurance is higher as compared to standard vehicle policies as both fulfill different insurance needs and protects your liability.

The factors affecting your commercial vehicle premiums are the following:

Driving History

If you have a claim-free and clean driving history your insurance costs will be less.

Your Delivery Vehicle

his vehicle’s mileage, type, and model also determine the cost of your insurance cover.

person Location

This is an important factor that decides your insurance cost and risks associated. If you deliver in areas with high traffic density your premium costs will be high.

Levels of Commercial Car Insurance Policy

There are three levels of covers you can choose while signing up for commercial vehicle insurance.

Third-Party Only

This is a standard policy where the only third party is covered during an accident. Damages that occur to you or your vehicle are not insure and you have to pay for them.

Third-Party Fire and Theft

Along with the standard policy benefits you’ll be cover if your vehicle is stolen or caught fire while working.

Comprehensive Insurance

This is an all-round commercial insurance policy that covers you for all the above benefits accompanied by covering you and your vehicle as well during an incident.

Eligibility for Commercial Car Insurance

With commercial car insurance you can use your vehicle for delivering:

• Food from Uber Eats
• Amazon or eBay deliveries
• Food from takeaways and other food establishments

To become eligible for this insurance cover you need to be:

• A licensed and authorized driver
• Have registered vehicle documents

Helpful Safety Tips for Delivery Drivers

After getting insure kindly follow the following safety tips to reduce associate risks while conducting deliveries.

Drive safely

It helps in maintaining a clean driving history with no claims, thereby reducing your insurance costs.

Install security devices.

Fit your delivery vehicle with a CCTV camera or remote alarm system for safety purposes.

Stay connected with your restaurant or courier office.

This will help them assist you in case of an emergency or incident.

Keep a first aid kit

So you can easily treat minor injuries that may occur while conducting deliveries.

Lock your car and keep the keys with you

While delivering essentials in the apartments always lock your car and keep the keys with you.

Commercial Car Insurance for Delivery Drivers by Simple Insurance Solutions

Simple Insurance Solutions offer the best commercial insurance quotes in the industry. We have proven experience of helping delivery drivers choose the right insurance policy to stay financially protected. Just let us know your requirements, answer basic questions and we will provide the right insurance cover for you.